IFSC Code of The Ahmednagar District Central Co-Operative Bank Ltd, Karjule Harya Branch, Maharashtra

If you are searching for the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, KARJULE HARYA branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AHDC0000077. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KARJULE HARYA branch, and detailed step-by-step guides for using the IFSC AHDC0000077 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Ahmednagar District Central Co-Operative Bank Ltd's KARJULE HARYA branch, the IFSC AHDC0000077 breaks down as follows: AHDC identifies the bank, 0 is the reserved character, and 000077 identifies this particular branch.

About The Ahmednagar District Central Co-Operative Bank Ltd

The Ahmednagar District Central Co-Operative Bank Ltd operates a wide network of branches across India, including the Karjule Harya branch in Ahmednagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, AHDC0000077.

Branch details at a glance

About this branch

The branch is located at POST KARJULE HARYA TAL PARNER 414304. It serves the Ahmednagar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Ahmednagar District Central Co-Operative Bank Ltd. The IFSC AHDC0000077 is used to identify this branch on the RBI payments network.

Why every The Ahmednagar District Central Co-Operative Bank Ltd branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KARJULE HARYA of The Ahmednagar District Central Co-Operative Bank Ltd — its own 11-character IFSC. The code AHDC0000077 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AHDC0000077 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Karjule Harya branch

Once you have an account at The Ahmednagar District Central Co-Operative Bank Ltd – KARJULE HARYA, the IFSC AHDC0000077 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Karjule Harya branch can access most of The Ahmednagar District Central Co-Operative Bank Ltd's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC AHDC0000077

How to transfer money using IFSC AHDC0000077

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC AHDC0000077 across all three.

How to use IFSC AHDC0000077 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Ahmednagar District Central Co-Operative Bank Ltd's KARJULE HARYA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AHDC0000077.
4. Confirm the bank name auto-populates as The Ahmednagar District Central Co-Operative Bank Ltd and the branch as KARJULE HARYA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KARJULE HARYA

If you need to transfer ₹2 lakh or more in one go to an account at The Ahmednagar District Central Co-Operative Bank Ltd's KARJULE HARYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AHDC0000077 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Ahmednagar District Central Co-Operative Bank Ltd – KARJULE HARYA, use IMPS. With IFSC AHDC0000077 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AHDC0000077 for The Ahmednagar District Central Co-Operative Bank Ltd – KARJULE HARYA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Karjule Harya branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Ahmednagar District Central Co-Operative Bank Ltd's KARJULE HARYA branch, the IFSC AHDC0000077 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Karjule Harya branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC AHDC0000077 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Ahmednagar District Central Co-Operative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AHDC0000077 and the account number together uniquely identify the Karjule Harya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Ahmednagar District Central Co-Operative Bank Ltd – KARJULE HARYA:

• The IFSC is exactly AHDC0000077 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Ahmednagar District Central Co-Operative Bank Ltd as the bank name and KARJULE HARYA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Karjule Harya branch

The branch is located at POST KARJULE HARYA TAL PARNER 414304, which puts it inside Ahmednagar, the broader Karjule Harya district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Ahmednagar District Central Co-Operative Bank Ltd Karjule Harya branch” — the verified location pin for IFSC AHDC0000077 should appear at the top of the results.
2. Confirm the branch is open by calling 2488-286342 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC AHDC0000077 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AHDC0000077 for The Ahmednagar District Central Co-Operative Bank Ltd – KARJULE HARYA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Karjule Harya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AHDC0000077, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AHDC0000077 belongs to The Ahmednagar District Central Co-Operative Bank Ltd's KARJULE HARYA branch, located at POST KARJULE HARYA TAL PARNER 414304 in AHMEDNAGAR, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.